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1 Everyday Transactions are all of these:2Everyday Cheque and Preauthorized Payment Transactions are cheque transactions and preauthorized payments (PADs) from Vancity Accounts.3Everyday Online and Mobile Transactions are bill payments, cheque deposit using Vancity Mobile Deposit™, transfers from Vancity Accounts made online using a computer, mobile phone, Mobile Device or using Vancity’s automated Telephone Banking service.4Everyday In-Person Transactions are Account withdrawals, bill payments, transfers to or from Vancity Accounts conducted person-to-person, over the phone with our branch staff or Member Service Centre staff.5Everyday Debit Card Transactions are debit card purchases or ATM cash withdrawals or ATM transfers from Accounts.

Everyday Transaction fees are calculated and charged at month end for Vancity’s chequing and savings products, with the exception of Jumpstart High Interest where the fees are incurred immediately when the transaction is made. Overdraft interest, not covered by a Creditline line of credit or a Personaline line of credit, accrues immediately and will be calculated and payable at month end.

7Interest is calculated on closing daily balance in an Account and paid at month end. The interest is an annual interest rate. Interest is earned in the currency of the account. View the current rates here or in-branch for more information.